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They have to be in bad health and not want to pay for the policy.
actually most life settlement buyers currently want healthy and old instead of very impaired.
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They have to be in bad health and not want to pay for the policy.
actually most life settlement buyers currently want healthy and old instead of very impaired.
actually most life settlement buyers currently want healthy and old instead of very impaired.
No, they want preferred risk class policies from people with 8-year LE's, which it seems you have to be one foot in the grave to get an 8-year LE.
It's not about whether the insured is healthy or impaired, it's about their Life Expectancy...
Yes, most of the sweet spots are 8 years or less especially on 80 year old+. These are healthy seniors that fall on mortality tables at 100% ratings.
The market arbitrage that previously existed is gone, making life settlements less attractive to the owners selling their policies....offers are not as exciting, if an offer is available, the whole replace a policy with a new one is gone, and the compensation to agents, brokers, etc..is not as exciting as in prior years.
We rarely purchase extremely impaired individuals.
Makes no sense - as long as not viatical, policy would be attractive to buyers
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LE is tied to health impairment. It runs off of actuarial data more than medical data.